


$395,900
7528 Bent Tree Loop
St Cloud, FL 34773
Listing updated: August 7, 2026 at 1:36 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Own this beautiful new construction home for an estimated **$2,500's month** with a **4.99 fixed interest rate** (available with the preferred lender)! Plus, enjoy a **$20,000 price improvement**, **up to $15,000 in Flex Cash**, builder-paid closing costs (excluding prepaids), and only a **$1,000 deposit** to secure your new home. Backing to peaceful conservation with no rear neighbors, this move-in ready 3-bedroom, 2-bathroom home offers 1,780 square feet of thoughtfully designed living space that blends privacy, comfort, and affordability. The open-concept floor plan is perfect for everyday living and entertaining, featuring soaring 10-foot ceilings, abundant natural light, and a stunning bay window that creates the perfect space for dining while overlooking the natural surroundings. The spacious kitchen serves as the heart of the home with a large center island, generous cabinetry, and plenty of counter space, seamlessly connecting to the family room and dining area. A separate flex room offers endless possibilities as a formal dining room, home office, playroom, or hobby space. The private owner's suite is tucked away at the rear of the home, offering beautiful conservation views, vaulted ceilings, a spacious walk-in closet, and an en-suite bath designed for comfort and relaxation. Two additional bedrooms provide plenty of space for family, guests, or remote work. Located in the highly sought-after Harmony Central community, residents enjoy resort-style amenities including a community pool with cabanas, dog park, walking trails, top-rated Harmony schools, **no CDD**, and a low HOA. Conveniently located near Lake Nona, the Florida Turnpike, Orlando International Airport, and Florida's east coast beaches, this location offers the perfect balance of peaceful living and everyday convenience. Up to **$15,000 in Flex Cash** may be used to further reduce your interest rate, cover prepaid closing expenses, or even help offset your first few mortgage payments, depending on the financing program selected. Combined with builder-paid closing costs, this home offers one of the best values in today's market. Backed by a 1-year builder warranty and a 10-year structural warranty, this move-in ready home is the perfect opportunity to own more home for less.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history207 days on market
- Status: ActiveJan 12, 2026
- Listed$387,900Jan 12, 2026
- Price increased$395,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 207
- Subdivision
- Harmony Central Ph 2
- County
- Osceola
- Year built
- 2026
- Living area
- 1,780 sq ft
- Price/sq ft
- $222
- Building area
- 2,122 sq ft (Builder)
- Lot size
- 6,098 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500 (12097C0295G)
- Garage
- 2 spaces
- Annual taxes
- $831 (2025)
- Parcel #
- 32-26-32-3666-000O-0040
- Zoning
- X500
- MLS #
- O6372876
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Microwave, Range
- Interior features
- Ceiling Fans(s), Stone Counters, Thermostat
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- East
- New construction
- Yes
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $75 / Monthly
- Monthly HOA
- $75/mo
- Total monthly fees
- $75/mo
- Total annual fees
- $900
- HOA name
- Pedro Gutierrez
- CDD
- No
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, FHA, USDA Loan, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Call HOA directly
- Approval process
- Call HOA directly
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Living Room | First |
Listing Details
- Listing date
- 2026-01-10
- On market date
- 2026-01-12
- Original list price
- $387,900
- Occupant type
- Vacant
- MLS area
- 34773 - St Cloud (Harmony)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-01-12
- Tax legal description
- HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK O LOT 4
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Narcoossee Rd take 192 East for 8 miles towards Melbourne, continue past Harmony High-school and Harmony Main, Harmony Central will be located on your left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of August 7, 2026 at 1:36 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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